Accelerated Death Benefit: If you become terminally ill and are not expected to live beyond a certain time period as stated in your certificate booklet, you may request up to 75% of your life insurance amount up to $500,000, without fees or present value adjustments.  A doctor must certify your condition in order to qualify for this benefit.  Upon your death, the remaining benefit will be paid to your designated beneficiary(ies).  This feature also applies to your covered dependents.

Survivor Financial Counseling Services:  This personalized financial counseling service provides expert, objective financial counseling to survivors and terminally ill employees at no cost to them.  This service is also extended to employees upon the death or terminal illness of their covered spouse.  The financial counselors, all highly trained attorneys, help develop strategies needed to protect resources, preserve current lifestyles and build future security.  At no time will the counselor offer or sell any product or service.

Retained Asset Account:  Benefits of $10,000 or more are paid through the UNUM Retained Asset Account.  This interest bearing account will be established in the beneficiary's name.  He or she can write a check for the full amount or for $250 or more, as needed.

AD&D Benefit Schedule:  The full benefit amount is paid for loss of:

• Life
• Both hands or both feet or sight of both eyes
• One hand and one foot
• One hand and the sight of one eye
• One foot and the sight of one eye
• Speech and hearing

Other losses may be covered as well.

 Age Reduction Rules:  Life/AD&D coverage amount(s) for employees and spouses will reduce according to the following schedule:

     Employee Age:                         Insurance Amount Reduces to:

• 65                                             65% of elected amount
• 70                                             45% of elected amount
• 75                                             30% of elected amount
• 80                                             20% of elected amount

Coverage amounts following reductions are rounded to next higher $1,000 for employees and next lower $10,000 for spouses, if not already a multiple thereof.

Additional AD&D Benefits:  Education Benefit:  If you or your insured spouse die within 365 days of an accident, an additional benefit is paid to your dependent child(ren).  Your child(ren) must be a full-time student beyond grade 12. (Not available in Illinois or New York.  Seat Belt/Air Bag Benefit: If you or your insured dependent(s) die in a car accident and are wearing a properly fastened seat belt and/or are in a seat with an air bag, an amount will be paid in addition to the AD&D benefit.

Limitations/Exclusions/Termination of Coverage:

Suicide Exclusion:  Life benefits will not be paid for deaths caused by suicide in the first twenty-four months after your effective date of coverage.  No increased or additional benefits will be payable for deaths caused by suicide occurring within 24 months after the day such increased or additional insurance is effective.

AD&D Benefit Exclusions:  AD&D benefits will not be paid for losses caused by, contributed to by or resulting from:

• Disease of the body or diagnostic, medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders.
• Suicide, self-destruction while sane, intentionally self-inflicted injury while sane or self-inflicted injury while insane;
• War, declared or undeclared, or any act of war;
• Active participation in a riot;
• Attempt to commit or commission of a crime;
• The voluntary use of any prescription or non-prescription drug, poison, fume, or other chemical substance unless used according to the prescription or direction of your or your dependent's doctor.  This exclusion does not apply to you or your dependent if the chemical substance is ethanol.
• Intoxication. ("Intoxicated" means that the individual's blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred).

Termination of Coverage:  Your coverage and your dependent's coverage under the Summary of Benefits ends on the earliest of:

• The date the policy or plan is cancelled;
• The date you no longer are in an eligible group;
• The date your eligible group is no longer covered;
• The last day of the period for which you made any required contributions;
• The last day you are in active employment unless continued due to a covered layoff or leave of absence or due to an injury or sickness, as described in the certificate of coverage.
• For dependent's coverage, the date of your death. 

In addition, coverage for any one dependent will end on the earliest of:

• The date your coverage under plan ends;
• The date your dependent ceases to be an eligible dependent;
• For a spouse, the date of divorce or annulment.

UNUM will provide coverage for a payable claim which occurs while you and your dependents are covered under the policy or plan.

Effective Date of Coverage:   Your coverage will become effective 1-1-2009.  For amounts subject to Evidence of Insurability, they will become effective when approved by UNUM.  For employees who become eligible after this date, please call AIA for your effective date.

Delayed Effective Date of Coverage: 

Employee:  Insurance coverage will be delayed if you are not in active employment because of an injury, sickness, temporary layoff, or leave of absence on the date that insurance would otherwise become effective. 

Dependent:  Insurance coverage will be delayed if that dependent is totally disabled on the date that insurance would otherwise become effective.  Exception: infants are insured from live birth.  "Totally disabled" means that, as a result of an injury, a sickness or a disorder, your dependent is confined in a hospital or similar institution; is unable to perform two or more activities of daily living (ADLs) because of a physical or mental incapacity resulting from an injury or a sickness; is cognitively impaired; or has a life threatening condition.

This plan highlight is a summary provided to help you understand your insurance coverage from UNUM.  Some provisions may vary or not be available in all states.  Please refer to your certificate of coverage booklet for your complete plan description.  If the terms of this plan highlight summary or your certificate differ from your policy, the policy will govern.  For complete details of coverage, please refer to policy form number C.FP-1, et al.   Check back here to download the Plan Certificate once it is available.

Survivor financial counseling services are provided exclusively by The Ayco Company, L.P.  The services are subject to availability and may be withdrawn by UNUM without prior notice.

Underwritten by:  Unum Life Insurance Company of America, 2211 Congress Street, Portland, Maine  04122, www.unum.com  Unum is a registered trademark and marketing brand of UNUM Group and its insuring subsidiaries.  ©2007 Unum Group.  All rights reserved.

1-888-859-7555

csr@americasinsuranceadvisors.com

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